Financial Audit - The Most INSANE Financial Audit Ever

Episode Date: May 1, 2026

💰 Download Dollarwise- 6.0 Is Now *LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP *I MADE HIM REDOWNLOAD THE AI GIRLFRIEND* - and oh my goodnesssssss.... I cannot believe these messages he was having with "her". This is some of the most insane sh*t I've ever seen. Watch here: ➡️ https://bit.ly/chpostshow ============================= 👉 Checking & Savings: GGet a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://bit.ly/3JCuwPS ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://bit.ly/4vLOStU 👉 Get FREE MONEY by investing with Public! secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 02:00 Jobs & Income 05:40 Everything Is NOT Okay 07:35 Bros Hiding COLLECTIONS From Her?? 10:33 They / Them Are Kinda Gay Apparently 12:55 Hes Paying For An AI Girlfriend... 17:40 Nothing Of Value Was Said lol 26:20 Ah Yes, The Good Ol' Anime P**n 28:38 They Can't Even Afford Diapers.. 30:30 Brother Is Not Catching A Break lol 31:42 He's Literally Speechless 33:30 Bro Ran Away.. 37:25 Hes Breaking Down In The Green Room 45:45 That's Very Proactive Of Her, Surely It Won't Go Wrong!! 52:00 This Is ACTUALLY A Financial Audit First.. Stolen Valor. 59:00 HE CANT EVEN KEEP THE LIES STRAIGHT 01:08:00 They Only Had $8 In Their CASHAPP Checking Account lol 01:11:00 Weaponized Incompetence. 01:18:49 Collections Left And Right, There's So Many... 01:23:24 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

To watch episodes of Financial Audit a week earlier, check us out on YouTube. I had found some information out that he'd been... More information? Paying for an app. It was an AI girlfriend app. What the fuck it actually happened? How can you like tell me what the fuck happened? Okay, wow.

Z-Z. Send a dick emoji to Sarah, who is an AI Sarah. Did you like AI Sarah? Who sent, if you sit on this lap because you don't have another choice. I mean, I'm being told that literally when you guys are chatting about any serious topic. He will not sit next to you out of fear for you seeing his phone. I pointed out.

And? And it's just the... Ha ha, yeah. And then shrugs and laughs. I was talking to his parents about him sending emails to the VA from when he was in the military. What branch?

He wasn't in it. The stories that your friend sent you, you took about your service? She hands you. Her phone. And you refused to do the same. What are you hiding? Dollar Wise is finally here, sending waves through the personal finance world.

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plus the digital version of my cookbook for each recipe. be. Don't miss the opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to dollowise.com or click the link below. Hi, I'm Jade, and I'm 30 years old. Hi, I'm Bernie. I'm also 30 years old. We live in Southern Indiana. And this is Financial Audit.

Wow, thanks for coming down from the Midwest, y'all. So what do you do for a living? Let's start with you, Jade, in Southern Indiana. It's not expensive. That is not an expensive place. By any means. Yeah, depending on like the area. Nope, that is not an expensive.

expensive place by any means. Compared to anywhere else in the country practically. Yeah, Louisville's very pricing comparison for sure. Okay, so it's definitely not expensive. So you should be doing okay if you're making halfway decent money. Let's see. What do you do? I just

resigned from my job as a... Yeah, I know. It was a field merchandising talent, so I traveled for my job. The hours were not making up for what we needed. Isn't that better than zero hours, which is what you do once you resign? Yeah, no.

Did you have another job lined up? I do. Yes. Okay, then why don't you tell me that that's what you do for a living instead of what you did? When someone asked me what I do for a living, I say YouTube. I don't say my sales job five years ago, six years ago. So what do you do for a living, Jade? I'm going to be starting as a business manager for a local small business company.

Okay. Okay. What is, is that pay much? The small business, I always get a little nervous on that. It's a salary, so it's 700 weekly. That's good. Okay, is that your net or is that you're gross? 700 weekly. I'm going to say safely net.

That's the safe answer is net? I would rather say net than gross. You would? Would I not? That's the safe answer? I don't think that would be the safe answer. But okay, times 52, so you're making $36,400 a year? Okay, but in that cheaper area, it's where it can come closer to working.

That is still a difficult income, but we're a dual-income household. We're married, right? Yes, that's true. With a child. Very good. Oh, sure. How old's the kid? They're 16 months.

How long have we... What's the gender? It's a boy. Yeah, a little boy. Okay, okay, okay. I just want to make sure. You said there. I wanted to see if it was trans at 16 months already.

Okay. Very good. Yeah, I mean, kids are expensive, but again, cheaper cost of living area. How long have we been married? We got married in October. Yeah. This past October. Whoa.

So after kiddo. Yes. Yeah, we gotten engaged 23. Yeah, begging 23. And we had a kid and then got married afterwards. Interesting. A little out of order, but that's okay. What do you do, Bernie?

I work as a healthcare professional for people who have mental or physical disabilities. Oh shit. I was going to say that's how you guys make money but actually maybe not. Okay, well what's your position? They call it a DSP.

It's just I go in home for the client where they don't have a facility. Oh shit. Okay, what do you make? Probably around $2,000 a month. Yeah, that's unfortunately what I was Yeah, it's 16 hourly. I think of fucking 24,000.

thousand hours of your net. Mm-hmm. Okay, but you combine these that all of a sudden we're doing okay for your area, is the thing. Because, again, that is not an expensive place to live. There can be an expensive, like, city. Like, I mean, Bloomington can be a bit more expensive, right? That's what it's called.

University of Indiana. Bloomington, IU. It can be a bit more expensive, but even still compared to the majority of the United States, certainly not. So $3,33 from you on a monthly basis plus the two. So, I mean, you guys are making five. $5,000 net. Okay.

I mean, with a kid, you know, but good. And we're all combined. Everything's good. Nope. No, we saw. Okay. Well, then how the fuck we have a kid? We're married.

What are we doing? Why? I've always been kind of iffy about finances. Iffy about finances. I don't know what that has to do with you actually joining with your wife. You know, partner for life situation with a kid. We've talked about it. I'm open to it. It's just when we went to join, like, me sign on for their account,

they're like, well, we can't really do that. We went to the bank that I have my current checking at. Her account. Yes. And I wanted to add him as a joint user. And they immediately went, oh, we're going to create a new account. They only allowed us to, they pretty much only offered a second chance checking where we would have to pay every month. What do you mean pay every month? Do you don't have a balance? No, because it was poor crap. credit and collections. Okay, go to Chase. Go to anywhere.

I don't know. I don't even think we have a chase in our town. I would be incredibly surprised. There might be one, but I don't remember her seniority. But even still, you can open

with a different bank. There's different banks everywhere. Absolutely. I mean, I think that would be a step up. Dude only uses cash app. Correct. I mean, it's... I think it's time to upgrade.

Yeah. I mean, times grade as well. Don't get me wrong. It's certainly better than Cash App. but it's also good to just have just a random, like, larger institution just sitting there. Just even just sitting there. Yeah. Yeah.

Okay. Yeah. Oh, I don't know what that means. So when we went and they offered us a second chance checking, I was like, that wasn't the intent that we had. We don't want to have to pay to have a bank account. I know. So you go to a different bank. That is what adults would do.

So congratulations. Keep coming back to the second checking account. Like, okay, you already did that. We already know. Very good. Go to a different bank. I didn't know about the collection. that he had had that he never mentioned up into that point.

And I had mentioned before. Why? Why, you got married? You got married. Why aren't you telling her about your finances, asshole? That is irresponsible. It is selfish. It is not fair. Especially the fucking breed.

You breeded. You had a little bread situation. We're doing that and she doesn't even know what kind of money she's attaching her child to. Come on. Why? Why not inform her? Before you guys go down this big life adventure. venture together. Mostly because I'd shame mostly.

Oh, fuck off. What a bullshit. Dumb cope-ass excuse. You're fucking someone else's life, potentially another with a kid. Shame? You should be ashamed. You hit that from your spouse, your partner. Before making a child in marriage. You should be ashamed. That's what shameful. What? I'm confused. I mean, do we just hide literally everything until after we're married? Is that how marriage works? No, not a good marriage. Oh, so we're starting off with a bad marriage.

I wouldn't say that. Other than... Well, you just defined a good marriage is not hiding things, and yet you were hiding that, going into marriage, and now she's struggling to get accounts connected and whatnot with whatever limited resources you have in your community because of your finances. Do we own a house?

No. Okay. Do we want to own a house at some point? Yes. How's that going to happen with man with completely... money of what you didn't know about that you were attaching yourself to. The mortgage is only going to be in her name? That's fair. That's great. That's wonderful. No, I would like us both to have a say on the mortgage. A say on the mortgage? Well, both be on it. I wouldn't want

just be on one person's shoulders in case something happens. Okay, but you lied about your finances getting with her. Yeah. Okay, so what was your reaction when you heard this? Confused, concerned. I mean, I also have collections. Yes, I'm not going to lie and say that I don't. Were you hiding them from him? No. So he knew about, you knew about them going into the marriage. Yeah. I had mentioned... Well, why hide yours? The shame is such a bullshit excuse. Come on. Why were you actually hiding? Shame for you. You should be shame now. Mostly because when I was growing up, I always got yelled at for everything, money-wise. So I didn't want to start another fight when instead of a fight I could have had a regular conversation.

Well, what about fight? She literally tries to sit down with you every two weeks, every two fucking weeks. She said in the pre-interview with Lindsay to talk about finances. What do you mean having normal conversations? She tries to do on a daily basis. Sorry, every other week, twice a month. So there would be the opportune time, would it not? Yeah. Oh shit, I apologize. You are male. You're gay. You're gay. Legally gay. You're male. Legally. We're legally gay. You mean legally? You switch to the male?

The gender, yeah. So I had a legal name and gender marker change. This is before they had released the X. Oh, because X wasn't an option? Yeah, X wasn't an option. What do I call you? Do I call you X? No, no, no. Talk to X over there? It would be like a non-binary thing. That's kind of the insinuation of X. Okay, educate me because I'm just not educated. Absolutely. So there's a difference between biological sex and then a Well, certainly, because I mean you're a chick. Biologically.

Sure. I am female. So I'm AFAB, assigned female at birth. And then... Well, no, no, no. I mean, you were born with a woman. Biologically. Because there's a difference...

Because there's a difference you said biologically and gender. And yes. So biologically, I mean, you're a woman biologically. Biologically, I'm a female. That is the more appropriate term. Okay, fine, fine. I mean, when you start saying female, all of a sudden, people call you an insult. Well, I mean, when you're speaking about gender,

it's man and woman, but when you're speaking about sex, it's female and male. Okay, so female, scientifically. Afab, yep. Afab? Aphab assigned female at birth. I am female, I am a woman,

or I am male, or I am a man. It's the, I was assigned female at birth, but I now identify as such a such such. Wait, but I thought you said female was sex, but then gendered the thing that is what you're changing and saying is in flux. is the other thing which would be woman. So it wouldn't be assigned female, would it? It would be assigned woman or assigned woman,

but officially female, scientifically. Right? No. Using your logic, right? No. I legally changed it from the letter F, female, to an M, which was male. Sex? The sex on the driver's systems.

Oh, so you can change sex. Yeah, you can change the sex. Oh, I thought we were saying we couldn't change sex, but we can change gender. Technically both of you undergo surgery. I mean, if you go with the surgeries, yeah. You were assigned female. You are now male. Legally, but I identify as non-binary.

Why did you go male then? There was no X option at the time. But why go female to male if you're neither? Why do the change? I mean, change is inevitable in everyone. As a human, it's our basic right to be able to... Okay, so how do... Because I've been calling you her and she.

Yeah, she and they are fine. How do I call? Yeah, she and they are fine. Oh, so we've gone back more feminine. So where are she again? Not inherently, no. Oh. But I can call you, she?

Absolutely. But I will call you whatever. Yeah. And you want to be called. They, she, that's fine. Yeah, yeah. Good. Wanted to establish that?

Very good. So you're not gay. Other than on paper, no. There we go. Good answer. Well, actually, on paper, right? Because aren't you male? Yeah.

On paper, yes. On paper, yes. On paper, you're gay. Legally gay. Yeah. Legally gay. Okay, okay, okay, just wanted to make sure I understood. I should get your little rainbow pin for your shirt.

We should have, yeah. People know that you're a little gay on the inside. Okay, very good. So, but yeah, she is the mask of the household anyway, because she says that she feels exhausted for wearing the pantom in the relationship 70% of the time. So you've taken the, at least OG classic, effeminent role of not doing anything in the,

taking care of the house in a financial situation. I'm navigating this, okay? I'm trying to make a point. Unless it was like the 1950s. Yeah, I said classic. Yeah, yeah. So, okay, she's standing up and taking care of everything. She's upset

that she has to take care of everything. You're not stepping the fuck and being a man. Yeah, I mean, I've definitely dropped the reins for sure. I wouldn't say they did everything or in the house, but the majority I'd say, yeah. Why aren't you stepping the fuck up

in this relationship. She's over here being upset that she can't even have a conversation with you. She tries every two weeks. So how does this every two weeks go? You go over there, you go to the dude. We had gotten married in October a couple months before. I had found some information out that he'd been... More information?

Paying for an app. It was an AI girlfriend app. Bro. Yeah, he had linked his email to my phone. More feminism? It was for D&D, in his words. In his words. Yeah, no, you don't get an AI girlfriend for D&D.

F you. You're not going to bullshit me. What? What are you paying AI girlfriend for? No, I have, don't do that now. Stop the cap. Yeah, you just got married and she found out it was happening. So, yeah, just a few months ago.

What the fuck was going on? So, uh, he linked his email to my phone for, like, manga or whatever, so I could read in my downtime. Oh. We're taking care of our newborn. Okay. Yeah. So, uh, that was, you know, the early bit of 25.

And then this email pops up around our birthday. And I'm like, what the hell is this? Our birthday? Oh, your birthday is like two weeks apart. Oh, okay. Okay. Okay. Okay.

Okay. Okay. Okay. Okay. Okay. Okay. Okay. Okay.

Okay. No. So, uh, I'd seen an email that was like, oh, don't leave your AI girlfriend hanging kind of shit. And I didn't want to say anything through text. I wanted to have a face-to-face conversation. So he gets home and I'm... He's not good at those.

So I was trying to mitigate the emotional state that I was in and the logical and kind of come in between and come from a like a sound ground that I wasn't feeling crazy. Because I did. I felt insane that that was... Well, he has an AI girlfriend. Yes.

I think you're allowed to feel insane in that situation. So when you got home, you know, I put our sun down and came downstairs, started cleaning some dishes so I could get dinner started. Tried wife. Pretty much. And checking in, like, hey, are you okay? And I was like, not really.

I'm not doing okay. I saw this and I need to talk to you about it. Hold on. Why'd you wait for him to talk to you? That's a bit weird. No, I don't like that shit. I don't like the crankiness waiting for the guy to approach a conversation. So like, it's a, it's a, it's a, it's a, too.

two-story townhouse. So he... You didn't see him all day? No, he was at work. He arrived upstairs? No, he, like, came downstairs. So, like, when he came in to the house... Okay.

I was putting our... I understand. Yeah, yeah, yeah, yeah. So, you know, I came downstairs, and we do the mental check-in, like, hey, how's your day? How are you doing? And I'm gonna assume that... I just call that talking usually, but yeah.

Yeah, but, like, it's a good check-in with your spouse to be like, you seem really upset just by, like, the energy that you're given. And I was kind of, you know, I had some hot coals into my feet, you know. And I was like, I'm not having a good day. And I saw this and I need to talk to you about it. And I was trying to stay level-headed. And I get really emotional.

I was like, what am I not bringing to the table that you need to seek out an AI girlfriend? Ah, geez. Okay, listen, you're fucking the AI girlfriend. Why can't you just a conversation? Why can you just say, yo, what's this? What's going on here, Guy? Well, yeah, it was pretty much... It's like, why am I?

Yeah. Sorry, I'm emotionally insecure sometimes. Therapy helps. I'm learning that. Women, asterix. Am I right? Yeah. The Tidimobile.

I get it. But it's just I try to have a conversation. I got really upset because it was the, oh, it's not you. I love you. And I appreciated that. I really did. But it was I needed to know why you would sought it out. And you're like, it's for D&D.

and I felt like it was just a really pop out of answer. It was being paid for, right? Yeah. Okay, then bullshit. Not for D&D. Dude, you could clawed the dick out of some D&D. You could F F***T the dick out of some D&D. That's what I said.

That's what I said. DEC the dick out of some D&D. Yeah. Gemini the dick out of some D&D. Proplexity, the dick out of some D&D. AI girlfriend for D&FD. Good luck. Come on.

You were feeling lonely. You want to fuck, eh. Talk to me, baby. No, we were going through a rough time. Well, there it is. I don't think you're playing D&D for the rough time. I think you're going through a rough time. Actually, say the real answer now for the first time in her life.

Yes, go ahead, say, you were having a tough time. Because I was making a lot of poor decisions, and just any time I do something, I'd end up hurting Jade in some way. And instead of talking about it like an adult, I took the stupid way out of it, yeah. No, what you just said, said,

did he just say anything? That was nothing. That was information that I knew. That was considered more information. He literally just said nothing. Funny, what the fuck it actually happened? How can you like tell me what the fuck happened? Do I need to download a AI Barney to get an answer?

I don't have an actual answer for that one. What do you mean? You downloaded a app. Why? What were you using it for? Did you want to hear? Wow, you're totally right. Here's an unfiltered goon response.

No, I was... Wow, you're so hot, Daddy. No, I was just... Girlfriend, make me come. Make no mistakes. Uh, but yeah, I don't... But yeah, no, you didn't say anything yet. They can say something.

Please. You're on a podcast. Yeah. Why the fuck did you download this app? Because I was stupid and what shouldn't have been done in the first place. No, no, no. Why did you download it?

Not because I was stupid. What was the action? To see what it was about. There you go. There's an answer. Okay, you were curious to figure out what it was about. Now, what made you so curious to explore a girlfriend of the AI form

instead of girlfriend, girlfriend, why were you curious to learn about this? I want to have to pay for it. I want to branch out and just say it might be because we maybe were having... Every other month, if that. I'm 100% sure in the first nine years. There are toys for that.

You can try? Good. That ports a little small, be honest. Uh-huh. Grippy. Yeah, we had to buy a new phone after that. Okay, so we're dittling once every other month? If that, yeah.

I mean, just, let me, kid, hectic, things are crazy. I get it, stress. I mean, I can see it on your neck right now. You're stressed. Yeah. You're blushing. Irish. Yeah.

Does that happen to every Irish person? Uh, yeah. Okay, so, okay, how about that? That's an actual answer. Why can she say that? You were deprived. Were you deprived? We weren't coming.

Your balls were floating up. Yeah, I guess, sir. Wow, yes, I understand why this is the more information than you've ever gotten, because I don't think he can, uh, uh, actually answer questions. Dronia and student loans with massive interest rates, I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted.

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Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds and millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise, built by these people just like you,

for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, DollarWise.com, link in the description below. So it sounds like the original reason for my insecurities were true that you did, you were seeking more intimacy and that was just hard to say. And to be very clear, until this very exact moment, his reasoning was still D&D. Yeah.

Okay, why I? Listen, hey, baby was born 16 months ago. You guys have had 12 times since. Reasonable to say I am struggling with that. That is not an unreasonable thing. It doesn't mean pressuring the partner, but that is not an unreasonable thing to be having issues with. Why hold the lie of it was for D&D until right now? You know how I know it was a lie?

Because she confronted you. You immediately deleted it, and then you downloaded emoji the next day. An other AI relationship app that you paid for the next day after she called you out. Did you know that? I didn't know there was a second AI app. I know about the Anochi one, because I... I saw the subscription and then the add-on to his Play Store account. Because, again, the email was connected to the phone, and I wanted to understand

when the app was downloaded. A new generation begins. Evolved. Not just replaced. Incredible. Always on. Get the latest features and functionality. Well, that's Joanne from your girlfriend.

Latest features and functionality. Interactive video stories, endless choices. Make decisions for her. Like, I can understand that my, the medications that I was on at the time trying to guinea pig that shit. I get it. Yeah. I get it. And he can struggle with that.

Give him permission to go fucking someone else or something. That's fine. No, I wouldn't want to do that. Yeah. Huh? We've had that talk. And? I was previously in a Polly relationship and did not.

We don't have to be Polly. Right. Even open. It'd be open. Polly involves emotions. That's where I can get. Yeah. But still, if you ain't a dude does got a fuck.

You got to kind of. to figure out your situation. And how often are people safely, like, having sex with others without getting confirmed tests and showing the results? Well, make sure you get them tested and show results. And when I offered an ultimatum before we got married and said, what was it? No lying.

Well, yeah. I agree with that. That we don't have. Well, he's lying in every way whatsoever. He was lying until this exact moment that he was using it for D&D. And go to therapy. And most of it still. has not happened, if not continuously.

You haven't done anything? No. You made a child with her. You're not even following the therapy. You're not even following the... Okay, wow. Zwevin sent a dick emoji to Sarah, who is an AI Sarah.

Did you like AI Sarah? Who sent, if you sit on this lap because you don't have another choice, a little depressing. What? I mean, yeah, I guess she doesn't have a choice. She's AI. Can you video chat?

with these people? I don't know. I never did. Oh, I'm sorry. What did you just say? I'm just exploring emoji. Okay. I thought you were seeing there was like messages between Bernie and someone else. I'm not in Bernie's account. I don't know what's happening, but honestly, wouldn't be surprised. Hey, well, yeah, I mean, honestly, buddy, I mean, the pipes being backed up. That is an actual, that can be an issue. How are you dealing with that? I mean, why won't you let her see inside your account? That is a concern.

I thought they still had access to my Google. No, I told you the day that we had talked about you deleting the apps that I deleted the email as well. And then I saw that you had paid for that add-on or whatever the N-Nochi, and I asked you what the hell it was, and you're like, oh, it's some just like pet feeding game or something like that.

And I was like, hearing that it's a... what was that like soft itchy anime pretty much I don't know I don't know what this is like panty shots not full like you come to panties no what I'm saying is

hentai full nudity straight right and then there's soft which is itchy anime or etchy anime depending on yeah it's just a thing bro I don't know I'm not like you guys I just I watch two people or I keep it simple

okay Wait, you have a cupcake chair? I'm not, but I'm... Oh, okay. I was curious, man. Very good. No. I mean, there's something for everybody, I guess. Yeah, yeah. Everybody's got their flavor. I watch people have sex in porn or I go, it's as easy.

Is that? I don't know. What are you against him watching? No, absolutely not. Oh, then what's the problem? We literally have like DVDs that we could... That's weird. Well, I used to work in an adult store, so sometimes just collect. Just fucking online. Oh, dude.

Okay. What was my question that nobody answered? I think it was, so what are you doing? You're backed up. What's the solution here other than lying? Because that can't be the solution. Listen, I think open is something that is halfway decent that I believe when surveyed, if I'm not mistaken,

99% of people said they would actually be open to. They're just not willing to discuss with their partner. But the thing is, and if she's not down for her, then you can't. And that would be cheating then. so we're not talking about that. Okay, she's down for porn. But you're kind of meeting in the middle.

You're talking to AI. And you won't let her in your account to see? If you downloaded it and logged back in, she could see. Why wouldn't you do that for her? I mean, I would pull up now. I don't have any on my phone. I said if you downloaded it and logged back in, she could see. Why not do that for her?

I mean, you said you were using it for FD&D. I don't even get to look at his bank accounts. Well, okay, so he hides stuff. stuff and AI stuff from you. Okay, now he hides finances as well. Correct. What does he hide there, or at least of what you even think? I think one of the last times that we had done a budget talk,

I had saw on his phone that he had paid 20 bucks for a game on Nintendo. And I did overreact. I'm going to be honest, I did. I mean, that alone within, like, just a closed ecosystem, whatever, is not the end of the world. But I understand if it is just, endlessly hiding purchases from each other when we're trying to make the household better, yeah, that would be, you overreacted? What?

I blew up. I was like, why the fuck are we spending $20 Nintendo when we can't even, oh, I don't know, put gas in the car or get our kid diapers? Oh, come on. If we can't afford diapers, why are you buying video games, asshole? AI girlfriends and video games, what the fuck are we doing? Obviously, messing my life up. That's not an answer, God.

That's a bullshit answer. Can you answer a question? Give me an actual reason. You purchased Nintendo instead of putting diapers on the kid. Gas in the car. Why? I hadn't done anything for myself recently.

I figured it would be okay to spend $20 on a Nintendo game and play it for a little bit. And that's more important than the kid. I never said that with nothing. Nothing's more important than the kid. You did say it through your actions. If we're struggling to get diapers, which I don't know why we would in Southern Indiana

with 5,000 hours a month, why are we struggling to get diapers, by the way, but even still, well, I guess you wouldn't have much insight. I mean, I'm being told that literally when you guys are chatting about any serious topic, he will not sit next to you out of fear for you seeing his phone. Yes.

Buddy, I mean, I couldn't stay with something like that. I mean, that is egregious. I pointed out. And it's just the, ha-ha, yeah, and then shrugs and laughs. So you can't even handle the conversations with her either. This is why honesty and going to therapy regularly was part of the ultimatum. It depends what kind of therapy. You might get enablement therapy. Well, he went to two sessions and then never went back.

Okay, so that was another ultimatum she gave you. Hey, what's the point of giving ultimatums if you don't follow through with them? Right. And so after the beginning of the year, I circled back around. I was like, hey, how are we doing? How is it therapy? He said, well, I haven't been back because, you know, it was a religious facility that was offering it at like a more discounted price for low-income families. Understandable, we appreciated it because he didn't have his insurance at the time. So now that he's finally been there over a year, he gets the insurance.

And I go to his doctor's appointment with him because, you know, it was an off day. And we just went together because it's easier. Oh, okay, just one time. Yeah, yeah. I thought you meant in general. You have to go to his doctor's appointments. No, we had done some shopping at Costco and then. Oh, I got you.

Yeah, went to his doctor's appointment together. So he had said that he was going to make sure that he got an email or a call with information. It was also on like the, oh, this was your visit information packet that they give after the visit with the number and the email and all that stuff to reach out to the resource. Still, still, this was mid-January, beginning of February. I have been following up pretty regularly. When's your therapy appointment? When you got that scheduled?

Oh, it's, I got a written. Nothing. have not had a firm date. Do you have anything to say for yourself? I need a second. This is pathetic. Buddy. You're going to run away from this conversation like you run away from every conversation you have with her?

You haven't said anything. I feel horrible for her right now. I don't know if you're objectively a bad guy, but I think you might be bad in relationships. Listen, she hands you, her phone. And you refuse to do the same. What are you hiding? I'm just whenever I do something for my own purchases, I know I'm bad with money and I... Shame.

Oh, shut the fuck. What, that's the biggest bullshit I've ever heard in my fucking life. What the fuck response is that? Shame. Shame. What do you even... How do you feel hearing? this. I want to be understanding, but it's so... No, no, that's enablement. It is disappointing.

Like, I get it. It sucks. Money is hard. I'm not good with money. I have had to learn this all on my fucking own. Are you guys a couple or not? Are you guys married or not? I don't care if something's hard. You have to work together. I want him to change. I cannot force him to change. No, but you can leave. And it might be better for your kid that you do. Why is he struggling? Nothing has happened. Nothing has happened yet. He always said five words. Why is he struggling? I want to answer for him, but I know I can't. You can't? Why?

He's his own person. Oh, for f***ed off. Come on. Do you know him or not? I do. And I... Some of this weird boundary shit that's not even real. Shut the fuck up. Yeah. No. What is going on? Is he... He never faced the consequences of his life for anything? Any responsibility? Any growing the fuck up?

Because the moment he's confronted one time, he breaks the fuck down, can't handle it? as he actively traveled across the country for a show that he's seen, a show that he's a fan of, a show that he got onboarded for, and he can't even handle it, 36 minutes in? Something that he's been expecting for at least...

What have you had? A couple weeks buildup coming on here? A week, maybe? Yeah, the end of February. To come on financial audit. He's had all this. 36 minutes into the conversation, he said like 10 words

and he can't handle a little bit of pushback that he knew was coming? He's a coward. Are you going to deal with this for the rest of your... life? No. I think you might because it sounds like I've tried to be understanding. No, you enable. And you're going to fuck your entire life and your kid's life because of it. I'm not saying he's objectively a bad person. I cannot assign that to him, but it might not be good for the

relationship. Good people do bad things a lot. I can agree with him. Yeah, but he also won't change anything. Yeah. Anything. And that's why I gave him, you know, months before the wedding. I'm like, I either you do these things. to make the change or the marriage is off. I cannot financially and as a parent put... Here, the marriage is done. Now what? Okay, okay, fine.

When's the timeline? When's the... If nothing changes, I'm out. Okay, we're being told he's crying, according to Brandon, which, I mean... Okay, like, I'm sure... Huh? That's rare.

Whoa, what the f... So someone called him on a shit for the first time in his life? Has no one ever been around? to call him on his shit? Everybody's too scared too. What? Too scared to?

Why? He's a... What's he gonna do? I know that he, he seems intimidating to a lot of people. And I know that... No? Right.

Does he? He has like a gay tattoo. I don't know. I'm not intimidated by him. Right. Right. And like, why do people find him intimidating?

So you know how, like, some dudes do the puffed the chest? Let me go. Yeah, that's... I see it a lot. And I know that's him putting the wall up. I can see it.

can feel it. It's the emotional barrier, like the bubble. I don't know. My goodness, you guys surround yourself with... The fuck, I'm a fat. I can probably barely sprint across the room, but I am the least intimidated by him than anyone I've ever met. Plus, it would help that our security guard would just shoot him in the face if he tried something, but... Oh, lovely. But, I mean, he would it anyway. So no one's ever stood up and called him on a shit in his entire life. In the moment it happens, he breaks down into tears. Even though, again, I am very

confused. He knows what show is on. You guys have applied to be on the show that you both watch. Yeah. He's the one who got me into your show. What's the confusion here? How is he surprised? How is he breaking down right now? I don't want to make someone cry. I'm not going to bullshit someone.

If he's hiding the AI girlfriend and he lied until the exact moment of this show where he finally admitted why he had it, if he's hiding his finances, he won't let you look at his phone. What else am I supposed to say? Am I supposed to tell him no, that's okay because everyone else in his life has told him that's okay? Didn't he expect anything different from me? He had to have expected I would call him on that, right?

I mean, it was kind of like a said expectation that, like, there is clarity. There needs to have that objective thing. I think sometimes it can catch someone off guard, absolutely. But it is needed. He thinks he might be freaking out because he knows we haven't even scratched the surface of this conversation. Oh, lovely. Okay, we'll take a break. We'll get them back on.

Okay, so we're in the middle. of financial audit. This is the head of financial audit. We're currently in a break situation because the dude that is the fan of the show that got his wife on the show, I called him on a shit. Barely, I've barely even touched the surface. And he walked out of the room with Brandon and started involved. I don't know what to do. What did he do, Brandon? He hit a pose in there? Brandon, he was getting on the couch and he hit one of these. And then you could see tears. Well, hopefully he's not having a panic attack, but I guess like no one's ever called him on a shit in his life. And I barely did. I'm sticking up for her.

I guess... I'm sticking up for her because I feel bad for her. I do not know how to navigate this conversation with a guy that is likely the problem in the relationship for the sake of her if I cannot call him on his shit for him to change it because no one else has in his life. It'll be interesting. So we'll see. Do you all need a couple more minutes? Okay. All right.

We'll be back. All right. Hypermentally? No, like, I legitimately don't think he's ever been called on his shit because she does not call him on his shit. Because all of these things happen, all of, you guys don't even know yet, what, there's two more things that we haven't talked about. The AI girlfriend was like the least of it. Oh my goodness. And I don't even know.

He doesn't know. He's never been called on this. And that's why he's freaking out, in my opinion. All right. I think we're going to try one more time. Um, Brennan, you're gonna come with me. What's doing? Okay.

How we doing? How we feeling? Better than a few years ago. Okay, good. Improvement is improvement. Yeah. So. I was just having a hard time because we was calling things out.

And, uh, yeah, was what I did feel was shame, but it's getting cold and that stupid reason for, reason for feeling something, my body's just like, all right, we're gonna go ahead and shut down for a second. Right, right. The valid response, it's claiming up, you know? It's hard to let it flow, work through the emotions. Yeah.

I'm trying to be as understanding as I can, because I can't feel your feeling for you, you know? Yeah. You were talking about feeling the shame, and you're kind of stuck on that. You even said the reason why. Yeah. We have like another hour.

Yeah. And this really is, when I talk to you on the phone, you want things to change. And this is a conversation that feels like you two haven't been able to have, and we need to have it. Yeah. So I would love for you to come back. I would love to have this conversation.

and for us to be able to get both of you the help and support that you need. You ready for it? Give it a go. You know how to watch this dragon troll from the dungeon. How do you want to know? Harry Potter? Yeah. Aripah!

Okay. We're back. How we're feeling? What happened? I think we had a good heart to heart. But what happened? Maybe you should talk. Yeah.

Yeah, maybe. Just when you were talking about me being, you know, a real piece of shit, yeah. Dad and partner did it dug out the shame that I do feel because I know I could and should be doing better. And having it thrown in my face is, you know, it sucks, but it's also a nice, The question is, if you know you should be doing better, why aren't you? Because that's all talk. Because it's hard taking the step to change yourself when you've done something a certain way for a long time and breaking through.

Well, the AI girlfriend isn't something you've been doing for a long time. No, I don't do that anymore. Once we had that conversation about when she's got the email. A few months ago, but yeah. Let's prevent us from doing that again in the future. when why won't you show her like the message is in there when you show her the phone

I understand like a financial behavior might take a second but literally just showing her like you can just give her your phone if taking this step is hard isn't that the only step is giving her the phone but what other step is there in that process no that would be a step forward for sure would be are you going to

yeah I mean I would have to go in and download them again your phone in general oh yeah no Yeah, they can have my phone. I think a slice of truth that might help this conversation is he was in the shower. This was a very long time ago. You were in the shower one time, and I was worried that you were talking to someone, and I did just peek through your messages.

Okay. And? I was nothing there. I was just worried. Okay. What led you to be worried? I think it was like a coworker you were talking to or your friend. Uh, uh, I'm also confused about this like, I, you know, I haven't used it since you downloaded

in other app the day after the confrontation or the AI. So that just doesn't line up as well. That's kind of fucking stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $200 in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings. grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought? That's incredible.

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BetMGM operates pursuant to an operating agreement with Eye Gaming Ontario. You, no, no, so it was, there was a two, there was an AGO girlfriend, it was the sultry little purple mask, and then there is the Inocci. Classic D&D. Yeah, and then, um, you said, okay, I'll delete it. And then the next day, it said that you had paid for an add-on, and that was to the Inocchi. And I was like, what the fuck did we just talk about? And you're like, you're right. And then you said, you didn't know the day before?

No, he said I was right. They were still right the day before. Yeah. And what is the thing about envelope? I'm being told about envelopes? Envolves? Envelopes? Envelopes?

What envelopes? So, when I, my previous job, before the field merchandising talent, I was a retail store manager for an adult store. It was a full-time job, and I was the breadwinner at that point. I had been working there for a while. We had finally gotten our apartment, our one-bedroom.

Was it the... Northburg? It was the North Park. Yeah, yeah. Okay. And so we found out we were pregnant a month later. And it was late spring. I was like, I think it would be a good idea if, you know, we start pulling out cash from our checks, every paycheck, to put that into the envelope system.

That way, because I have a- envelope system, you don't. Okay, well, you either run via envelope or you don't. I don't know what? Well, it was just like a little booklet. has like the plastic little... Yeah, there was like... You were just trying to save.

Yeah, it was literally just trying to save. Okay, you were just trying to put cash instead of save. Okay. And I got ADHD, so if I see the number in the account, I'm like, oh, I have money. No, I got you. I got you. I won't remember. So...

You have every mental disability. Yeah. Cool. So I was... I had switched up my direct deposit to put $200 to savings, and then from there, every paycheck, I would pull it out, and then divvied out the problem. So I think I had saved up about $1,600. It would start?

Yeah. And that was over like a couple months. And it was after the baby, or it was before the baby shower. I had asked you to pay the phone bill. And I, you know, I hadn't like kept track of like checking. Oh, recounting. Oh, this is what this is envelope.

Okay, what happened? Anyways, I noticed that the envelope was missing a lot of money. And not just, well, $100 here, $100 here. It was a fact. I had been tallying, oh, this date putting this much in for this. and so on. And I told him that. Like, this is how I wanted to do it.

So it's a checks and balances. There was no outtake that was written down. And there was a lot of money missing. Oh, what are you doing? Especially, well, she just is pregnant. Headed towards the birth. What did you do? It would usually, whenever we had...

Usually, multiple times? When we had bills, I would go ahead. And if I didn't have the money, I would use what we had in our envelope system. What do you mean bills? She doesn't know your financial situation. You won't tell her. You won't let her look at anything.

How can he even say? So this happened more than once, though? No, not more than once. But you said every time, or something like that, you indicated more than one. Because whenever, I mean, if... Whenever. Whenever it's not once.

When we had bills, I would... I would. Plan to refill it. And then whenever checks came around, we'd have to pay bills again. I wouldn't have the extra money to put back in. see the envelopes.

Was this around the time you were getting behind on the car payments? Why won't you just let her fucking look at your accounts? Just let her look. In the post show, we're going to re-download those apps and we're going to look at them.

We're going to see what happened in there because I think we need to actually go through that. But we do also need to get into the money now or else this is never going to fend. Oh my gosh. And it makes no sense because even when that happened, when she confronted you,

you admitted that you only took 90 out, that it's not possible because there was only $100 bills or $20 bills in there. So you couldn't have even taken $90. You were lying about the amount. Yeah, it wasn't just like $100 or $200. Anything. Won't do the therapy, won't do anything.

How long do you think she's going to stay? If you do not change the things of which she has laid out ultimatums for. How long do you think she's going to stay? I'd be lucky if it was another month or so. Yeah. And do you even deserve that? I don't know.

No. Okay, better question. 0% is just staying forever. you're not even questioning leaving, 100% is you're walking out this building, separating him. Where are you? Those are the two extremes. We're in the middle.

5%, 10%, what? After all that, just that? You put down ultimatums, but you're 5%, that's never going to be ultimatums then. Those aren't ultimatums. It's... What? That's a red line in the sand that gets crossed every time with no consequences. That's nothing.

That's nothing. Five percent's nothing. No, no. Why would he ever change? Why would he? You're barely even considering it. It's barely even a thought. It's barely even an inkling. I grew up with separate parents. Like early on, two years old, I never had a dual house like parent household.

Is this working? Is this dual parent household working? Is it going to be better for the kid? This thing? If it stays the same? Absolutely not. But you're at 5% when it's only stayed the same for years? That makes no sense.

Enablement. You're right. You probably will never change. Wow. Okay, so let's get into the finances. Guys, and then on gender term. Dude bros. Uh-huh. What do we rate the household financial score at this point? Zero being the worst, 10 being the best. Like a two. Yeah, two, yeah. I know I took the quiz myself and I was at a five.

Yeah, but you guys are combined. Yeah, yeah. If you want to take that assessment, take it for free at Calebhammer.com. Just takes a few minutes, see where you're sending the world of money, where you're doing poorly. where you're doing great. It is awesome, and you can improve your life with it. You can also improve your life with the dollar-wise budgeting app, tens of thousands of monthly active users for a reason, thousands signing up daily.

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Mail directly, do you hand me that Sharpie, please, if you may. Thank you, sir. I appreciate it. So all I do is I come down here and I'm like, woo, signature, let's go. And then you get it. So there you go. Now you can't have any excuses for not being able to meal prep, not being able to plan your meals. It is based on a $300 per person grocery budget per month.

It is great. It is snacks. It is everything. Okay. So I am going into these finances, but I mean, I have to know, just the baseline of this conversation where it stands. We've talked a lot of a lot of betrayal so far. Is that the end of the betrayal?

I want to at least make sure before I keep going. I want to say no, but that might be present sure. I mean, I don't want to say that, yeah, that's the end of everything. Uh-huh, 100%. The betrayals, though,

the betrayals, because there's lots of betrayals. Uh, I don't know. What about you? How are you feeling? No, I have a hard time talking about finances, but I don't, there's nothing in there

that I should have been hiding. Okay, so like, I understand that, but. Are you trying to say that you've said everything that is needed to be said? I think so, yeah. When was trust first broken in this relationship? Do you want to talk about it?

Are you? Are my? Oh, fuck. What is it? Yeah, if you want, we can talk about it. We're definitely going to. We're here. You guys didn't put that on your no-no list, so...

Oh, we're talking about it. Well, what are we talking about it? I don't know. Please don't be cheating. No. No, I've never cheated on them. What? Okay, you seem to be the one that can put words out of your mouth,

so why don't you try to do it? I found out when we were looking into getting an apartment, we had talked about financing a home as a first-time home buyer. What? When? That quick? It was like March two years ago? No, no, it was March last year. March last year was the first trust break? That's crazy. Okay.

That's been a lot of sense then. What happened? I was talking to his parents about, him sending emails to the VA about getting his paperwork and all that stuff from when he was in the military. What branch? He wasn't in it.

I had a friend of mine who... Okay, you weren't in it, but you were emailing the VA? No. Huh? No, I didn't. It was all just a story I had with one of my friends who was in the Army. We talked about joining in together,

and he was older and he had I got a letter from saying he died in active combat and what? How does this break her trust?

Well, I'm getting there. And so I ended up using, he would, because he would send me letters about his updating through basic and then he'd get deployed and he would let me know how he's doing. Okay.

And I ended up up taking those stories and be like, yeah, this is what we did while we were enlisted together. What? You never said it was both of you. You just talked about it being you, though. What? Well, no, no, no, no, no, no, no, no. No, no, no. The stories that your friends sent you, you took about your service? Yeah. Stone Valor! Right here, Stone Valor! Whoa, whoa, whoa, whoa.

Yeah, it's not. Whoa. Whoa. And did what? And did what? with it? I didn't. That's like stolen valor shit. Wait, and did what with it? What with the VA? I didn't do anything with the VA. What were you trying to do with the VA?

Why are we in contact with the VA? Where does the VA come into this? He was lying about that. About what? I'd never contacted the VA about anything. I was just saying I was doing it, but I never actually did it. Covering up.

Covering up what? Continuing the lie. The lie to who from what? About being in the military. So you're telling everyone in the world, including you? What? So when you started this relationship, dude was like, I'm a vet?

Not out the gate, no, it was suddenly brought up. But it happened? Yeah. Wait, you were telling everyone that you were a veteran? Not everyone, no. Not everyone, no. A lot of people. Our friend group?

Our friend group, yeah. Your what? Our friend group, yeah, yeah. But, no, I wasn't going on the rent down the street, home. Like, yeah, I'm in the service. I mean, you gave, you told the people that any normal person would? What? It wasn't a good moment for me.

This friend even exists? Do I even believe that? I don't believe any thing this guy's saying. It doesn't even matter with the friend exists though. It's like you're using his stories or just Reddit stories you found. You were telling people, what was the point? What were you doing? Where are you getting out of this?

This is crazy. And people think I'm like anti-vette because I talk about the disability thing on the shoulder of the time. No, I'm a huge advocate and I want to fix the system to make it even better for people. They are the best of them. the best among us, protecting this country, serving. My brother specifically was not a good representative.

Yes, there's pieces of shit in every system. I'm not saying that. But in general, people that are putting their life on the line for the country, you know, I respect them as a collective. There's pieces of shit everywhere, okay? Maybe not the institution that hires them, but yeah. Well, the government?

Yeah. Okay. I mean, that just meant nothing. That's just such a broad statement, but. I mean, I feel bad for the people that do get in there with good intentions and then are brainwashed into believing that the government is the right way and the only way. And if you don't agree, you leave. Well, yes, you have to follow the military rules? No, like, absolutely.

Regulations? There is a guideline, absolutely. But it's... Okay, I honestly don't give a fuck. Whatever. I'm just trying to say, I respect the fuck out of them. as a collective because they have put their life on the line

for this country. They're serving. It's called service. Yeah. And you're mimicking being one? For what purpose? For what purpose was this possibly? I've never heard of this.

I mean, I guess we've all heard stolen valor, but I've never actually seen someone do it. I've never, like, even heard a story. It's just, like, known, right? Oh, okay, I understand. So you're a democratic socialist, and you're an anarchist. I don't know why an anarchist

would pretend to be a, a vet. I still don't understand why you pretended to be a vet. It was just a stupid decision on my part to try and connect with... Why does that seem to be your answer for everything? I want to know the why. Your why can't always be it was a stupid decision.

Why did you actively choose to do that? You will never get better if you cannot figure out a reason why you did something. Because I wanted to relate more to him and when he told me about the stories, he was passionate about it and I was like I wish I had a passion like that about something at least and that's what I wanted to do when I was younger and then I've had a few injuries where I wasn't able to do it anymore I had a motorcycle accident when I was 18 and a mess my left arm and shoulder up so I couldn't do anything if I wanted to okay listen I'm going to believe the word so don't be

afraid to say the word, okay? Okay. I'm going to count from three, two, one. Then I'm going to ask you to do something you must answer it immediately. Okay. Three, two, one, what's the name of your friend? Okay. I was relatively quick. It was bleeped.

What? Do you know of this guy? Oh, fuck sake. This is the one that you told me about. But they're two friends? Like, I just... This is... I die!

I almost... I almost... believed you for a second. This conversation is ridiculous. This is one of the most ridiculous conversations if I heard about, it's an hour and three minutes and I even looked at a document. What the fuck is happening?

What? Your guys' friends and tell them that you were a liar? I made that a very mandatory thing. He had said, oh, I'll just send a text message and I said, no, if you can lie to someone to their face, you can tell them the truth to their face. So I told all my friend groups

that there was a lie. because that was one of the ultimatums they gave. I was like, all right, that's what I'll do. I was all telling the truth. Okay, Cash App, what's going on with this? No, this must be a checking account. No, I do my direct depositants and stuff through Cash App. That's interesting.

Okay, what are you getting at Walmart for six bucks? Highly doubt that's groceries. I mean, sometimes it's occasionally like, oh, hey, I need eggs, or we're out of milk, can you grab some for the sign? Yes, yes. Is this a Walmart in your town? I bet there's a chase. Or a Wells Fargo.

or anything. I think there's like a sister bank to Wells Fargo. There might be a movie. I mean, I haven't seen one around, but it doesn't mean there's not. There isn't a chase, but there has to be some kind of major branch of some kind, if not a chase. Okay, what's the name of your town where we believe in it? Indiana. Okay, first of all, why?

Why live in such a not great place? I mean, I was born in the county next to it. Great. I don't live where I'm born because I went through a place with opportunity. And moving costs a lot of money. and we obviously don't have that. It cost me about $200 and I sold everything and then I slept on an air matches for six months.

Now it's a little harder with a kid, don't get me wrong. Exactly. To just suggest that you can't do it without a shit ton of money is also just illogical. People move all the time. And we have one car. Yes, I know. It's a different situation.

But it still might cost a couple thousand dollars. But if you even go into debt for a couple thousand dollars to go to a place with opportunity where you make tens of thousands more, that is oftentimes a worthy investment. I mean, there's definitely an end goal for us, but it's not in the picture right now. But if you're not doing anything, that's not a goal.

That's... Okay, first bank, I think that one's pretty big, if I'm not mistaken. What? Fidelity. You got fidelity. That's a green one, right? I don't know. I'm not aware.

That's big, so you'd probably be fine there. At National Bank, yeah. Well, federal first savings. Like, you're fine. There are major branches. There's a ton of major branches there. And you got some credit unions as well, but you're okay. Yeah, I've got an account with one of the local credit unions.

So what a stupid excuse we were using, Remedy Center for cannabis, 55 bucks? Yeah, we've... Is this why you're... How much you're consuming? We don't do it all the time. It's a purchase that will probably last us probably over a year because we do super small portions. You will not go to cannabis for a full year from that purchase. Yeah, we cut them into, because all the servings are about that big and we cut it into 16 pieces.

They're really strong. They're really strong. It's like 500 milligrams of gummy. Yeah, gummy. And then obviously, right afterwards, went to donut bakery. Makes sense. Bath and Bobby Works mega replay.

I don't know what that is. It's where you can like sell old games or console systems. Well, he's buying, not selling. I had a really bad day that day, and he had brought me a gift, which is extremely rare. Well, not that rare.

It's $12. But... You went there with our son, right? You got some stuff and you went like, I think you got like a candle or something in Bath and Body. Okay, Corrilla? Yeah. Serrilla. That is an adult store, yes.

Yeah, we like to spice things up in the bedroom every now and then. I mean, I... Once every other month. Right. But I worked in the business for well over four years. That's a big every now and then, am I right guy? A-I girlfriend. Golden Buddha?

Food? Yeah. Food. I assumed. I didn't think that was a toy of Buddha's asshole. I'd be impressed. Yeah, I would assume that would you want, I don't know. Maybe some fat food.

Okay, donut bake. And yeah, maybe groceries from one more. I don't know. You went to say, I got some bullshit from Casey's. I know you didn't get $3.63 cents of gas. No, I got a drink from Casey's before I went to work. Okay, stop. Listen, no longer.

No longer, my friend. Let me make sure it's the energy drink version. There you go. Woo! Let's see. That cannabis has f***ed you. What kind of reflexes were that? You say people are intimidated by him?

That was the worst I've ever seen. Dude let it fully hit his nose and run down his face before he even moved. I probably would have too. I'm feeling bad reflexes. I jump scared though. Well, yeah, I'm sure you're medicated to death. Listen. Oh, come on.

Oh, come on. A little bit up every day. It keeps me cool. I'm fine. Septim piercing therapy four times a week. I know you're medicated. Self-diagnosis. I know you're desperately medicated.

In the way, no longer. You are using the gamer subs. It is 40 cents a serving after my discount. Code Caleb, link in the description below, Cambridge Subs.G. You're using that. If you want to figure out other flavors, you can get free samples at that using my code, then figure out what you like and you're making your energy drinks at home now instead of stopping in and getting some bullshit when you can clearly not afford it.

Okay? Okay. It's delicious. It legitimately is. Every guest has enjoyed the fuck for them. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pin comment or description below.

This is the best membership you'll ever join. That's a promise. Guys, just real quick, don't forget to take your Hammer financial score at Calebhammer.com. See where you stand, where you gotta do better, where you're doing shit. Listen to just takes a few minutes in it is free. Figure out where you stand in the world of money. Calebhammer.com. Send some money out.

Bullshit. Nintendo. Again. That was probably one of the Nintendos that we talked about. Yeah, I mean, that's just happened like a month ago. Air or vacuum. Okay, yeah, I mean, that's air. That's okay.

Walmart, Nintendo again. How frequently? What are we doing? It's a bullshit. Okay, air again? Okay, how many times are we getting in air? When I had my flat, well, I have our car before I got its engine tore up.

I hadn't replaced the one. Yeah, the car has been in the shop since the beginning of the month. Yeah. That's brutal. Send our money out. BMC. Oh. CPE BMC.

That is our energy. Yeah, it's our energy. Ah, okay, fair off. Center Point Energy. Nob Hill Tavern, high score saloon, insomnia cookies. If you have an insomnia cookies,

you have a major bank. Yeah, that was like the first date night. Yeah, that was the first date night in what, like six, nine months, something like that. Something like that. Okay. That wasn't the point I was making.

Okay. Bullshit, bullshit. Nintendo again, 21st. bucks that time. Nintendo's stacking up. Liquor. Wonderful. Wendy's. Honeymoon Waynebach. Wendy's? Oh, Weinbach, yeah. McDonald's. Gims a bullshit. A lot of bullshit. Maybe gas. That one actually looks like gas. Air again. I understand why. Maybe groceries is definitely bullshit. Bullshit. I think gas. Does I say really? Bullshit. That's a grocery store. What do you want? Really fruits. That's a grocery store. I know, but he's getting like $3. But he's

getting a little drink. Yeah, it's a drink. There we go. Oh, okay. We judge it by price, typically. See, this might be groceries, $16 there. Yeah. Bullshit, Sonic,

Culver's, Dota Bakery, bullshit, and sex toys again, double sex toys. Is it like $17 to $20? We're ramping up. Yeah. We recently talked about him just going to get something and then using it and then not saying anything and not initiating.

And that's half of the problem. What do we get? Like a pill. Yeah. Pills to help with simulation. Yeah. You're the struggle.

So you want to be. Wait, then why aren't you getting a AI girlfriend? I thought it was because she wasn't given. Yeah, no, I definitely. It wasn't on the front burner. You know, I'm taking care of the kid. I'm staying home. I'm also working.

I'm also trying to take care of the home. Yeah, but he's the one that can't get excited? I mean, I get it when I'm like overly stressed or tired. Yeah. And like that kind of like counter, adds into that. Because I know they're doing the best they can with our house and...

Probably believe that name, but yeah, I assume that's the kit, right? Yeah, sorry. Staples Preferred Business Membership, built for busy business owners, because you've got bigger things to think about. With Staples Preferred, get free delivery. No minimums. Staples Preferred unlocks up to 3% back, plus 10% savings on print and exclusive wireless offers.

One less thing on your plate. Actually, a lot less. Visit staples.ca slash preferred. That was easy. That's okay. $255. Is this your checking account? Up from five.

Heritage, yeah, that's me. Okay, it started a five. That's scary. What? Oh, is that the savings? Honeymoon. Bullshit. Cash up, cash up, cash up.

Cash up. Bullshit. Bullshit. Spotify. That's a monthly. Maybe food, maybe groceries, cash up, cash up, cash up, cash up. Yeah, I'm paying the installments. Groceries.

I mean, it's just dangerously low balances. It's very scary. Yeah. Luckily, no overdrafts. I'm surprised. With the previous job that I had, the pay was constantly infrequent. One week I could get $100. The next paycheck would maybe be $900.

Yeah, but if you guys combine it, it would be less of an issue. It would, but I mean, when we were paying for the wedding, it was me paying for everything. I paid for the rental. I paid for most of the dress. I had a friend help. And then his grandparents paid for the catering. Why didn't you step up and pay anything?

He was paying the bills. I was paying the bills. All the bills. Yeah. No issues, no late. No problem. Okay. Would you even know?

There were a few that were late. There was one time we were like a day late on the energy bill. I was never like super like a week or two weeks late paying the bill. Yeah. Why did we split it like that? Where you buy everything including the wedding bands and suit? Because my income was super infrequent. I couldn't rely.

on my check to be If you guys were combined you'd be able to actually Yeah I've I'm huh Listen obviously I want you guys

to move some more better opportunities But I'll get both of you course career certifications Yeah A lot of people in the audience have converted those

into six figure jobs I'd like you guys too as well And just be strategic about which one you're getting Look at the job market Get you guys at

Also buddy Listen we got to build your credit I'll get you The mine used to be called Fizz But the mine card Debit card that builds

Credit Can only spend What's in your checking account Clearly you have issues with that It's another cash app. Whose cash up is this? Zero bucks and this must be yours.

You're transferring to it, right? Yes, yes. Okay, well, you're getting bullshit on here. Bullshit, bullshit, bullshit. Goodwill, I mean, that's probably okay, but people can get bullshit there. Sonic. It was probably closed or something.

Bullshit. Bullshit. Bullshit! McDonald's! Bullshit! Come on! Buddy, literally $80 in that collection account? Why couldn't you just pay $80?

$8? When they called me about the overdred, the collection stuff. They'll bump your score by like 15 points. 80 bucks. I didn't. I didn't know about them. You didn't know.

Several, I didn't remember until they call them because several more... Download a fucking app. Credit karma. Any credit. It's everywhere. It takes five seconds.

What? Any kind of personal responsibility? Like advocating for yourself doing anything? I have a hard time getting stuck in the rhythm where I'm just worried about day to day and instead of...

Instead of downloading an app for three minutes? Being comfortable. Yeah, I think it's the sense of comfort. I don't think you like a little bit of being uncomfortable in life, but you don't get that choice with a child and wife. That's true. I definitely need a hard-quicken.

Well, I'm glad you know you need to now. If only you could do something ever once. Sick, man. You can download an AI girlfriend and sign up for that subscription, but not download and set up a credit karma. Yeah. Yeah. So 80 bucks in that one.

It's a joke. I don't even... It's so stupid, man. So stupid. Yeah, I don't know what Spring Oak Capital is. Let's see. Original creditor is named Bank of Missouri. So you probably had a credit card with them

or some kind of loan, but you owe $6.62 to them. How long as this is spending collections? Oh, it's from when I was in a past relationship. So I... What was that? Huh? When was that?

Oh, God. About three years, seven months ago. So it's still going to be on your collections for a very long time. And if we want to get a house, if we want to get additional apartment together, whatever it is, it's going to fuck you.

Was it one of the payday... It's gonna fuck you. Oh, is it? I don't think so. AT&T! AT&T! Why'd you let AT&T go to collections $367? I think that's when I was trying to get out of my phone plan.

And I was paid up my phone, and I was trying to get out of their contract. And I had paid my last month, and I still said I owed something, so I didn't know. You just let it go so that it would fuck you in your entire future life?

This has been seven months, man. Seven months. Says it's been in collections at least. I'm sure it was not paid much longer before that but it was at least sold to collections. Wait, wait, wait, wait, way, way, way, way. Is that when we switched

from individual phone plans to Cricket? And you said that you were on your parents' plan? Trust me, I'd much rather do helium than cricket. You said you were on your parents' plan. And that they were paying for your phone bill. Is this another lie? Did we just learn another lie?

I don't remember saying I was on my parents' phone plan. You may not have remembered now, but I do recall you saying, yes, I'm on my parents' 18-T phone bill, and I can just transfer it. And then you had a problem trying to get into the account and get the number transferred over it, so you, got a new number. Guys, therapy is great. Have we considered couples therapy?

I have mentioned it multiple times. You mentioned it very good, and you won't because... I never said we just haven't picked a therapist to go to couples canceling for. Just haven't picked the therapist? I have told him that there are therapists at the office that I go to that do couples counseling. So what is the issue guy? No, if we can set up a couple's therapist appointment, I don't have an issue with that. We just haven't done it yet.

So if she doesn't do it, it will not happen? I need to get better about taking initiative. Oh, he needs to get better. Another solid 10 out of 10 answer, guys. I'm glad you know you need to. Why the fuck don't you? Yeah, that's something that we talked about at the beginning of the year.

Nearest resolutions, whatever you want to call it, I had asked him how he wanted to improve this year. Stick it in more. He said he wanted to go to the gym. Respectfully, I get it. However, my resolutions were a little bit more concrete, more financially based. Yeah, you're also not, like, horribly unhealthy.

If at all, you don't look bad. I mean, I feel like it, but... Well, yeah, maybe. I'm sure your cardio is bad and stuff like that. You know, maybe it's like, you know, but, like, you're not a bad-looking dude. So, like, Jim's good. Go on more walks.

It's nice up there half the year. Go on walks. Yeah. Okay. We've definitely been doing that lately now that our kids, like, walking, running. Yeah. We're going on good. Go on.

Go. on a couple miles a day. Yeah. Like 15, 15 a mile pace. Okay, very good. So 15 minutes. So good. Do that.

No gym necessary. Gym if you want. But that just shouldn't be our... I don't want to say it's not important. But there are things that are getting... The marriage is getting destroyed. And we need to prioritize that. Okay?

Yeah. I need to put stuff like that on back burner. Oh, you just found out that his mom's paying his car insurance at 30. Quite recently, yeah. What the fuck? Why do you keep... finding out things still in our marriage. The car was in the shop, and I actually addressed this with her directly,

and I was kind of pretty much saying, why are you enabling him? He's an adult, and she's her. Right, but he's his mommy and should be letting go. You're acting like his mommy, too, though. And I don't want to. No, I get it, but I don't. You don't want to what you do. With no stop, and you're 5% leaving, yeah, good luck.

Sorry, continue, continue. I'm interrupting. point out his flaws and that I say that he needs to change and that it's for the better, but the drive just falls off. It's like you go to sleep, you wake up, and then the drive that want to change goes away. Bro, here's a direct quote from your application to come on the show. Yes. I'm far from perfect and aware that I get upset and overreacted times when I feel like I'm being manipulated with crumbs of the truth caked with lies when it comes to our finances. Yeah, I do. It's a thing. It's a thing.

fact that I just find out that his mom, his parents are paying for it? No, he's manipulating you. And he's like being like, oh, I'm, um, close your ears. No, no, no, no. So don't like, I can't be that bad. Oh, no, I'm just a delicate little flower. Oh, blah, blah, blah. Oh, hell. You're just allowing all this manipulation. And him like, I'm going to get better. I'm going to get better. Oh, yeah, I know I need to get better. I'm going to do all the, nothing. You're just allowing it. Red line in the sand, pushback a thousand miles. I'm a pushover. Yeah, sure. I mean, I don't, you don't deserve. that I'd definitely need to do.

Okay, you have another one in collections. $1,332 and $1,100,000, or $1,998. Very good. Okay, student loans. Yes. Hold on. Do you not have debt? Or is the student loans?

No, the student debt is my debt. That's it? And everything is that? No, no, I've got more collections. Well, you have collections too? Wait, here. Okay, is the 1,998 you? The who?

1,998. What is that from? I don't know. it doesn't say. That's from when I was in my past relationship with my partner, we had a lot of issues

and they weren't wanting to help pay with bills. Oh, it was her who was the problem. I'm sure you had no issues. No, and then I cut a... It would be convenient on this show how everyone is not the problem

in their past relationships. I caught a signed up for a secret shopper job and I've been trying to get that one What? What's the word? I don't even know what a secret shopper job is. Somebody goes into a store and kind of like surveys

how the customers are acting or like how the employees are treating guests and how the store is clean or not so clean. It's, yeah, I've been in retail my whole life. I see it, I know. Okay. Okay, you got student loans. Yes, I have two student loans.

Okay. From when I... Well, a combination of 4,448. No degree, right? But no. Oh, you'll get a certification. That'll be good. I've been trying to take some bookkeeping courses during downtime,

and that has since been negated. I know that's hard with... Okay, here's your collections. We got 761. That is the old Verizon bill. Okay, wait, you wouldn't pay your phone bill either? So that was not in my name. That was in my ex's name, and I have been trying to...

Clearly, it was. In some way. You were on it as well. Together, maybe. I don't know if he transferred it to my name without my knowledge after we said. split up, but I had left Verizon. I had left Verizon and transferred to Mitt Mobile. Doesn't matter. You may have still owed some money or a contract break fee. I don't know.

You may have still owed on the phone. No, the phone was paid off. Well, I don't know. You called them? I've been trying to like defer or not defer the loan. She hasn't even called them. She hasn't even called for... Guys, I cannot advocate for you if you will not have a phone call with the company that you owed money to. I think I've actually got an email that is from them, but I have been trying to dispute. It doesn't matter. Why do you not at least call?

I get the dispute. That's an important step. Why not? Call Verizon. Hey, why do I owe this? Oh my goodness. How could you not start with the most basic thing?

I cannot advocate for you if you can't even make a phone call. That's as bad as him out there. So that one is under my dead name. And with my legal name change. I don't know if they're going to try and fight it. You did a name change? A legal name.

Yeah, they legally choose their name. Oh, you do have a dude's name. No, wait, no, you don't. Well, uh, no. No, it's like the middle. I mean, you can go either way. I'll bleep it, but yeah. Yeah, yeah.

I know. Okay, well, either way, just make a phone call. I don't know. Tell them, hey, I'm trans. And like, something happened, my name. Sorry, but I also have, like, I can show you it's me. I got my social security number. That doesn't change.

Correct. Okay, you have collections 2164 as well. Is it the same as that one? No, it doesn't look like it. Okay, there's one that says, Balinski. That one didn't say. This one says

Balinski. 1,023 is Balinski. And the next one is a duplication of the same thing. 212? 221?

There's one that it's the same exact amount and it's from the same place. I think we got rid of the duplication. I've been fighting

that for so long to dispute it on credit karma and they're just like well there's nothing we can do about it. Well, credit karma,

no. You might have to be in touch with the actual bureos. Oh, I didn't even, oh shit, I didn't think

about that. I had my, identity stole in a couple years ago. So I think we threw it away because we thought it was double? Oh, no, there is two. Collections. Yes. Two separate amounts.

Oh, two separate amounts. So maybe the 2,164 was. Either way, charter you also owed 221. That is spectrum. Yeah. So whatever is to what doesn't necessarily matter. We know we have all this collections. And at this point, you're just going to have to negotiate them down or get on payment plans.

Right. That's what it's going to be. But we need a budget you. Let's try to budget this household. This doesn't work if you guys... You don't have to fully combine every account, but I think everything should go into a joint checking and then disperse from there.

So we can only decide where money is going, but use dollar-wise to understand where everything's going. Right. You use your certifications, you get your education with master money. You take advantage of all the tools like every guy's has and you change your life like they have. But it doesn't work if you guys don't communicate.

You need to go to a couple's therapy, and she shouldn't be the one that has to book it. Like, stop being a little boy. You're being a little boy. and then I'm sorry for the gender term, but you're acting like a child. There we go. So 5,000 comes in.

No debt minimums because they're all in collection. Well, student loans. Is there a minimum in that, 4,448? They're active, so I'm not quite sure. But you should call them before it defaults and then they garnish your wages. Okay, I will. I mean, I guess.

I don't know. Like, it just started reactivating with the, I don't know, like something fell through. I don't, everybody's... Something fell through. So I know that most people whose student loans were neutral. They weren't gaining interest. Deferred.

Yeah. They were on a deferment. Yeah. Because the Supreme Court said no. So Biden, yeah, deferred it for about what was like a year and a half. I think. But that's been done. It's been done for a while now.

Right. So mine just started regrowing the interest on it. Well, you can look at the new repayment assistance plan. Yeah. I was passed under law through the one big, beautiful bill. Well, you don't like it, however, it's going to help you. So cry about this. Like, okay, listen, I don't like spending more than we bring in either,

but you're going to, this is actually helping you, so you can't fucking cry about it. It'll bring you down to like even as low as 1% of your income being your payment. Oh, that's actually not at all. Yeah, that's doable. It just extends the term you have to have before it's forgiven. That's fine if you're only doing 1% because you shouldn't be as subsidized as you. You don't need to be.

You're making your own career choices and spending money, don't have, so fuck you. So what does it say the minimum is? Okay, let's put your debt minimums at 100. I don't know. Okay. What's your rent? 702.

Yeah, 702 with the charge fee. Okay, what about internet, gas, electric utilities, all that combined? We don't. Just about. I saw utilities. CPE is 21075. The water bill is around 100 a month.

We are just getting internet installed. What's it going to be? 50? Safely say 60. Okay, I'm going to say utilities is 371. Bill. $90. Huh?

$90. Okay. Gas, room, vroom, drive, drive. One car, but how much do we spend? 100 months. Car insurance, how much? I want to say... Are you one of those media strategy people

clicking through slides, scrolling spreadsheets? Yes? Good. This is for you. Because on Spotify, there's an audience that's different. Locked in. Loyal, invested. They're called fans.

Fans don't just listen to music. They feel seen by it, like it belongs to them. So when your brand shows up on Spotify, that's who you're talking to. And you're right next to artists like me, Lizzo. So, are you ready to talk to fans? Spotify advertising. You're among fans. Probably 1.30.

You want to text your mom to double check? Yeah. Wait, she pays for it. Yes. So I'm crossing it out for now. Does she want you to pay for it? We've been talking about getting a transfer. over it. You don't need to. I would

like you to eventually, but I want you to pay off your debt. Okay. Get out of this collection situation. But they haven't given me a deadline of when they wanted me. Is maybe on Titty? No. No. He's eating our food too. Yeah. Okay. We should be able to do about 750 bucks in groceries. Meal plan? Meal plan? Oh, yeah.

Yeah. Yeah. Use a thing. Yeah, it's a regular thing. Yeah. 750 is good. Okay. TP fund. Anything else you guys need to survive includes diapers and tampons and all that good stuff and makeup. $250. $250. bucks. Jim, how much? Oh, I was going to go to Planet Fitness.

That was your nearest resolution. Three months in, you haven't signed up. Oh, my, you can't do anything. Okay, how much is Planet Fitness? Ten bucks. Yeah, that's for basic membership. Okay, medical health care. Co-pays, I know you go get diagnosed and medicated for everything, so. Co-pays for me are free, but monthly, it's like $119 a month for my insurance. Anything on your own?

Medical, that I have to think about monthly? No, since my... 11. Subscriptions, I'll put 40 bucks. Do you have any pets? Please don't. Yes, too. Why do the poor people always have pets?

What are they? Two cats. Health and age. They're seven years old. Oh, yeah, okay. $100 pet insurance. How much for pet food? I think pet food is about...

About 30 bucks. And litter as well. And litter. Yeah, no. 100 bucks a month covers litter and food for both of them for a month. Anything else that needs to be in this budget? This lovely little budget. before...

Spotify. I gave you $40 to subscribe to so you decided where that goes. Yeah, yeah, yeah. $3,032. You have an extra... Let's be conservative

and say $1,750 off on a month eBay. So that's this beer actually combined because independently, you don't just get messy and you'll never know how much you have leftover net. Just save up a couple month emergency fund. That takes literally a couple months. And then start negotiating these debts. Say, hey, I have this much to settle.

Actually, or just pay them. Most of them are small. When it comes to the big ones, like the 2000 and the 2000 and 1,300. Yeah, let's do some disputes as we can. But even still, just be like, you know, I got a thousand. That's all.

Just keep doing that over and over again. Never give them access to your bank. And just settle. You'll pay off this collection in a matter of months. Then save up a fully front of a six-month emergency fund. And then start doing 50, 30, 20, which you guys even can on your income in that cheaper area. 50% he needs, 30% on fun, which is a decent amount of money.

20% saving for retirement. You'll be fine. My goodness. I don't understand why you guys. hope it complicated this. It is because of your behavior, uncontrolled spending, because you guys can't communicate, which is what you guys actually need to focus on, which means go to couple's therapy tomorrow. Going to get the Hammer Financial Score, but remember, join us for the post show. We are going to download that app, and we're going to see what was

being done on it. We're going to let her look through your phone as well. For the first time ever, it's going to be a groundbreaking moment. Hammer Financial Score, spending in a budget, we spent 4,648, the income was 4,788. Negative. Okay. Oh, but cash app loan draw of 1,190 was a part of the income, so you spend more than you made. Zero out of 10. Debt collection, zero out of 10.

Emergency fund, nothing, zero out of ten. Retirement, nothing zero. Oh, wow, everything's a zero. Hammer financial score is zero out of 10. Get yours to Calebhammer.com. Join Hammer Elite for three premium shows every single day. Tuesday, Wednesday, Thursday, Friday, Saturday, and get an extra 20 minutes of this show called The Financial Auto Post Show. It's going to be good. I'll see you there. Download that shit.

No! Is it giving you a little tingle reading it? Eh, no. What's he saying? I face palm as I remove my hands. Do you have a reason why you say you struggle to initiate, but you can't have a conversation? Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pin comment or description below.

This is the best membership you'll ever join. That's a promise.